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Buying a second home or investment property is a common goal, but the mortgage requirements differ significantly from primary residence financing. Higher down payments, stricter credit requirements, and higher interest rates are typical. Understanding the distinction between second homes and investment properties, and knowing which loan programs best serve each purpose, is essential to making a smart financial decision.

Higher down payment required for second homes in Idaho

Confused about second home vs investment property rules in Idaho

Qualifying with an existing mortgage in Idaho

Second home rates are only slightly higher than primary residence rates.

Smart financing turns property dreams into reality.

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Thousands of homeowners face the same challenges every year. Our experienced team has helped families across 29 states find mortgage solutions tailored to their unique situations.

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Solutions for Second Home Mortgage in Idaho

NMHL offers multiple pathways to homeownership for Idaho borrowers.

Conventional Second Home Loans

Conventional mortgages for second homes require as little as 10% down with competitive interest rates. These loans work for vacation homes you plan to use personally for part of the year.

10% minimum down payment Competitive rates Personal vacation use

DSCR Investment Loans

Debt Service Coverage Ratio loans qualify based on the rental income the property will generate rather than your personal income. Ideal for investors who want to grow a rental portfolio without DTI constraints.

Rental income qualifies No personal income required Portfolio growth friendly

Conventional Investment Property

Traditional investment property mortgages with 15-25% down payment. These loans use your personal income and credit to qualify and offer fixed-rate stability for long-term investment holds.

15-25% down payment Fixed-rate available Long-term stability

Your Path to Homeownership in Idaho

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1

Free Consultation

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2

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3

Get Pre-Approved

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4

Close with Confidence

Dedicated support through closing day

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Second Home Mortgage in Idaho - FAQs

Can I buy a vacation home in Idaho with a mortgage?

Yes. NMHL offers second home and investment property mortgages for properties in Idaho. Whether you are buying a vacation getaway or rental investment in Idaho, our loan officers can match you with the right financing program.

What are the rules for rental properties in Idaho?

Rental property regulations in Idaho vary by municipality, especially for short-term rentals like Airbnb. NMHL loan officers in Idaho can advise on financing, but we recommend consulting local regulations regarding rental permits and restrictions for your specific Idaho property location.

Idaho Mortgage Resources

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We Understand What You're Going Through

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